The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,567
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,394
−HK$839/mo
Today · 4.125%
HK$28,233
baseline
▲ 0.50% · 4.625%
HK$29,951
+HK$1,718/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,466/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,556
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,348
−HK$805/mo
Today · 4.125%
HK$31,153
baseline
▲ 0.50% · 4.625%
HK$32,795
+HK$1,642/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,306/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,881
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,872
−HK$1,008/mo
Today · 4.125%
HK$33,880
baseline
▲ 0.50% · 4.625%
HK$35,941
+HK$2,061/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,760/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,467
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,418
−HK$965/mo
Today · 4.125%
HK$37,383
baseline
▲ 0.50% · 4.625%
HK$39,354
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,766/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,194
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,351
−HK$1,176/mo
Today · 4.125%
HK$39,527
baseline
▲ 0.50% · 4.625%
HK$41,932
+HK$2,405/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,054/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,378
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,488
−HK$1,126/mo
Today · 4.125%
HK$43,614
baseline
▲ 0.50% · 4.625%
HK$45,913
+HK$2,299/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,228/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,821
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,309
−HK$1,511/mo
Today · 4.125%
HK$50,820
baseline
▲ 0.50% · 4.625%
HK$53,912
+HK$3,092/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,640/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,200
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,627
−HK$1,448/mo
Today · 4.125%
HK$56,075
baseline
▲ 0.50% · 4.625%
HK$59,030
+HK$2,955/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,150/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,912 · Scale 2, in force from 26 Feb 2026)